House buyers are being urged to carefully check the Energy Performance Certificate (EPC) on their new property as the UK’s climate becomes more unpredictable.

According to various lenders there are already a number of mortgages available for properties which have high EPC ratings, highlighting the growing importance of this ratings scheme.

But with this year’s weather swinging from freezing – courtesy of the Beast from the East – to this summer’s heatwave, having a home which can retain the heat in winter and stay cool in summer looks even more essential. And this is something a home with a good EPC rating can provide.

Currently, any property being sold must have an EPC, which gives the dwelling an energy performance rating from A, which is the most efficient, to G, the least. Once purchased the certificate is valid for ten years. A high EPC rating on a property will demonstrate it has good insulation and glazing and this will ensure a home is able to stay cooler in hot weather and warmer during the cold spells. And it will also provide an indicator of how much energy is likely to be used and how this will affect the bills.

We all know that buying a house involves a multitude of decisions and sometimes things like the EPC rating can drop down the list of priorities for a move. However, as the UK’s climate becomes more unpredictable the ratings on properties could become more important and some providers are already offering mortgages specifically for properties with high EPC ratings.

According to reports many people think insulation, double glazing and the like simply help to keep their homes warm in cold weather. However, insulation actually works by slowing down the movement of heat between two spaces. This means, during the summer, insulation will prevent your home overheating as well as retaining heat during the colder months.

The EPC gives you information about a property’s energy use and typical energy costs, plus recommendations about how to reduce energy usage and in turn save money.

Can we help?

It’s so easy to find out if you qualify for a grant or indeed free installation, just select your requirement and click the “see if I qualify or “apply now”. Acting now could save you a great deal of money each month and increase the value of your property.

Many people still believe that their energy saving actions do not make a difference, but the statistics are showing that the UK has decreased net CO2 emissions considerably over the last 4 years.

Most households spend an average of £1750 on heating bills each year which can be up to 50% more than necessary due to the lack of energy saving measures being implemented in the home.

A recent survey found a staggering 48% were unaware that grants were available to assist in making their homes more energy efficient. Also, the survey showed a massive 63% had no idea that some energy saving measure could be installed free of charge if they were receiving certain benefits. I think you will agree these are very interesting figures, if you are one of them act now and save money.

Very cost-effective ways to save

In order to maximise heat retention many properties can benefit from cavity wall insulation which is subsidised by energy suppliers but can also be installed relatively cheaply. The wall insulation stops heat leaving or entering the cavity wall space therefore helping to reduce the need to switch heating systems on more frequently in winter or air conditioning unit’s on during the summer. 

Also check your

  1. Loft insulation
  2. Windows and doors for drafts
  3. Central heating boiler efficiency
  4. Install room thermostats

Do your research

Check out now to see if you can save £££££’s, it’s easy and very quick just select your requirement and see if you qualify. Action now could save you a great deal of money.

Homeowners should start taking energy saving as a very important part of the future if they want to achieve a good sale price for their properties. It is so simple to insulate and increase energy efficiency within the home and in some cases can be installed free if receiving certain benefits.

Research has revealed that the vast majority of potential property buyers are willing to pay more for an eco-friendly home. According to the findings 71% of prospective buyers want to purchase the most environmentally friendly house they can. Perhaps the most surprising statistic is that 79% said they were willing to pay more for a home with a low carbon footprint.

What buyers look for

  1. Good roof insulation
  2. Modern condensing boiler
  3. Draft free windows and doors
  4. Room thermostats
  5. Efficient water heating system

There are so many reasons nowadays for your home to be energy efficient and in turn save or even make you money. The great thing is most of the energy saving measures can be installed in your home under a grant and even free in some cases, just check out what you may be entitled to.

Benefits of an energy efficient home:

  1. Save money on fuel costs
  2. Increase the value of the property
  3. Reduce your carbon footprint
  4. More comfort in both winter and summer

Can we help?

It’s so easy to find out if you qualify for a grant or indeed free installation, just select your requirement and click the “see if I qualify or “apply now”. Acting now could save you a great deal of money each month and increase the value of your property.

Whichever life stage you’re at and whatever piques your initial interest, comfort and long-term savings are things that make a serious difference throughout your stay in a property.

For those making aesthetics high priority, the interior may look stunning, but if the rooms are full of draughts, it’s going to be difficult to fully appreciate that.

Perhaps there’s big spaces and plenty of storage for a growing family – but if those spaces are going to prove difficult to effectively heat without breaking the bank, that’s room that comes with a serious cost.

If you’re choosing a home for retirement, there are different considerations. You may want to downsize, you may want to move to the country or even by closer to the high street. But there may be money issues to consider: Your income is more than likely to dropped in retirement, or you may want to use as much of what’s coming in as possible for hobbies. This makes it all the more important to make sure your home doesn’t guzzle your money, while leaving you shivering in three jumpers in the winter time.

There are so many good reasons to make your new or existing property as energy efficient as possible. It really does not have to cost huge amounts of money as there are very cheap and effective ways of keeping warmer on those winter days. Did you know some measures could be installed free if you receive certain benefits?

If you need any more persuasion to take energy seriously when picking your home, there’s a possibility in the near future that mortgage providers could be open to lending people more to buy energy efficient properties.

Lenders research, alongside a number of partners including Nationwide, conclusively proved the link between better energy performance and higher disposable income – income that raises the opportunity for a larger loan. The findings are being taken seriously by the mortgage industry, so it’s definitely something to watch out for in the near future.

Can we help?


If you would like advice on how to improve your homes energy efficiency do make contact and one of our advisers will be pleased to assist. 

Homeowners are missing out on lower energy costs, higher property values, and much more due to lack of access to affordable finance to invest in energy efficiency improvements.


This is according to a report for the Energy Efficient Mortgages Pilot Scheme.


The aim of the Energy Efficient Mortgage is to create a loan product for homebuyers to buy an energy efficient property or to improve the energy efficiency of their current home. They will be incentivised by access to a cheaper mortgage. The assumption is that if a property is energy efficient, utility bills will be lower, so a borrower will have more money to service the loan; plus the value of the property will rise much faster.




A paper was published last September by the UK Energy Research Centre and University of Sussex Centre on Innovation and Energy Demand. The research found that if British homes could reduce their energy demand by a quarter, an estimated saving of £47 billion could be made. This would save UK households £270 each year off the average household energy bill of £1,100 – a saving that is equivalent to the output of six nuclear power stations.


Saving energy


Energy is the lifeblood of modern life. Getting energy right enables wellbeing for all and unlocks a more productive, efficient economy. We need to find ways to radically increase interest and action on energy efficiency, but property owners face a significant financing barrier when wishing to improve energy efficiency. In the UK, attempts have been made to tackle this barrier through schemes like the Green Deal, but they have failed in part as they weren’t designed with simplicity at the heart and with the customer front and centre.


Green mortgages have the potential to be a game changer in the delivery of affordable finance and we are ready to meet the challenge for home-owners motivated to take the step into energy efficient living.


Help required?


Want to improve your homes energy efficiency? Please make contact and one of our advisers will be happy to assist.